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Dispute Errors on Your Credit Report
Millions of us have errors on our credit reports, which makes it harder to do basic things like get a job or rent an apartment. Fight back! You can get a free copy of your credit report once per year at annualcreditreport.com or call 1-877-322-8228. If you do not have a social security number, you cannot use this service online. The Debt Collective is working on convincing annualcreditreport.com to address this problem. For now, to access your report, please send a letter with the following information:
- Your full name
- Your Individual Taxpayer Identification Number (ITIN)
- Your date of birth
- Your current mailing address
- Your previous mailing address (if you have lived at your current address for less than 2 years)
- State which credit reporting agencies (Equifax, Experian, TransUnion) you want a report from.
Send the request to:
Annual Credit Report Service
PO BOX 105281
Atlanta, GA 30348-5281
Once you receive your report, you can use this tool to dispute errors. For a list of common errors to look for, go here. Once you have determined that there are errors on your report, you can use this tool to ask for a correction. This tool will help you write a dispute letter to the three main credit reporting agencies. The Debt Collective will submit the letters your behalf. For more information about the process, go here. Please have a photo of your picture ID ready to upload (taking a picture with your camera phone is fine).